With Pay Small, an extended payment plan by American Express, you can choose to break purchases into affordable instalments over 6, 12 or 24 months at 0% interest*.

Pay Small logo


* If you pay your Card Account in full each month. Terms and Conditions apply.

4 Easy Steps to Pay Small

Step 1:

Inform the on-ground staff that you would like to use Pay Small by American Express for your purchase



Step 2:

Present your American Express Card



Step 3:

Choose your instalment payment plan of 6, 12 or 24 months



Step 4:

That’s it - take your purchase home!






Browse through our merchants offering Pay Small

Special offers and promotions when you use Pay Small*


Spend a min. of S$2,800 on instalment and receive S$50 CapitaVouchers, limited to the first 80 Card Members at MindChamps Enrichment Centres.

Not a Card Member yet?
Apply for an American Express® Credit Card and receive S$100 CapitaVouchers + PlayShifu AR Toy upon first spend, while stocks last.

Si Chuan Dou Hua

Receive S$100 Joyalukkas vouchers when
you spend a minimum of S$3,500 via Pay Small at Joyalukkas. Redemption is
limited to the first 50 eligible Card Members. Terms and Conditions apply. 

Si Chuan Dou Hua

Receive a free OSIM uMask Eye Massager (worth S$45.90) when you spend a minimum of S$999 via Pay Small, an instalment payment plan by American Express.  Redemption is only valid at the OSIM Outlet @ Jewel Changi Airport and is limited to the first 100 eligible Card Members. Terms & Conditions Apply.

* No rewards (including Membership Rewards points, Cashback, KrisFlyer miles and STAR$®) will be accrued or earned in respect of Charges made under Pay Small. Other Terms and Conditions apply.